10 Best SIP Plans for 10, 20 Year Investment 2025

Updated on December 14, 2025 , 232882 views

“What if I told you that Investing just ₹10,000 a month could potentially make you a crorepati in 15 years? That’s the power of a SIP — but only if you choose the right plan and stick with it.”

In India, SIP investments crossed ₹20,000 crore per month in 2024, proving how lakhs of investors are betting on disciplined wealth-building. But here’s the catch — not all SIP plans deliver equally. If your horizon is 10–20 years, you’re in the sweet spot for compounding. This is where small monthly investments can snowball into a massive corpus — enough for retirement, your child’s IIT/IIM dream, or even early financial freedom.

In this article, we’ll explore the 10 Top SIP plans for 2025 designed for long-term growth, analyse their performance, show wealth projections, and even cover diversification options like international funds — so you can invest smartly and confidently.

What is a SIP?

A Systematic Investment plan (SIP) is a disciplined way of investing in Mutual Funds, where you contribute a fixed amount every month (as low as ₹500). Instead of worrying about timing the market, SIPs average out your cost and let your money grow consistently over time.

For long-term goals (10–20 years), SIPs work best because they combine:

Compounding → reinvesting returns to multiply wealth
Rupee Cost Averaging (RCA) → reducing risk of Volatility
Affordability → start small, scale later
Discipline → automatic, hassle-free investing

Why SIPs Work Best for 10–20 Years

1. Power of Compounding – The Real Wealth Builder

Compounding is like a snowball effect — the longer your money stays invested, the larger it grows. The “interest on interest” accelerates wealth creation in the later years.

Example:

Invest ₹5,000/month for 10 years at 12% annualised return → ₹5 lakh principal grows to ₹11.6 lakh.
Keep going for 20 years → ₹12 lakh principal grows to ₹49 lakh + That’s over 4x growth simply by giving your money more time.

This is why SIPs are most powerful when held for at least 15–20 years.

2. Rupee Cost Averaging (RCA) – Your Shield Against Timing the Market

Nobody can perfectly predict market highs and lows. With SIPs, you don’t have to.

When markets are high → you buy fewer units.
When markets fall → you buy more units at cheaper prices.

Over time, your purchase price averages out, reducing the “wrong entry” risk. This is especially valuable in volatile markets like India’s, where short-term ups and downs can scare investors.

Example: A lump sum investor in Jan 2020 (before COVID crash) would have panicked. But an SIP investor kept buying through the crash and the rebound, benefiting from low prices.

3. Affordability & Flexibility – Investing Fits Your Budget

Unlike lump sum investments, SIPs are designed for affordability. You can start small (₹500 or ₹1,000/month) and step up later as your income grows.

Example: Many professionals begin with ₹2,000/month SIPs in their 20s and later raise it to ₹10,000–₹15,000/month in their 30s. This step-up strategy can increase your final corpus by 30–40% without straining your budget.

Flexibility features like pausing SIPs during emergencies or switching funds make it beginner-friendly.

4. Reduced Emotional Bias – Discipline Wins the Game

One of the biggest enemies of wealth creation is human behaviour. We tend to:

Invest more when markets are booming (FOMO).
Panic sell when markets crash.

SIPs automate discipline. Since the money is auto-debited every month, you continue investing regardless of market noise. This ensures you buy in both good and bad times, and avoid destructive emotional decisions.

Example: Investors who continued SIPs even during the 2008 crisis saw massive wealth creation by 2018 because they bought at rock-bottom prices.

✅ In short: SIPs work best in 10–20 years because they combine compounding, discipline, affordability, and risk-averaging — qualities no other investment vehicle offers in such a balanced way.

Best SIP Plans for 10–20 Years in 2025

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Fund Selection Methodology used to find 10 funds

Investment Option: SIP
AUM Range: 500 to 100000 Cr
Minimum fund age: 5 years
Sorted On : 5-year return (high to low)
Tags: SmartSip, fcpro
No Of Funds: 10
Funds suggested criteria is selected based on long terms returns and higher risk & assets under management (AUM) is high.

Best SIP Plans for 10, 20 Year Investment

Fund	NAV	Net Assets (Cr)	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
ICICI Prudential Infrastructure Fund Growth	₹193.55 ↓ -2.09	₹8,232	100	-1.6	-1.1	-1	23.7	29.7	27.4
Motilal Oswal Midcap 30 Fund Growth	₹99.9775 ↓ -0.66	₹37,501	500	-5.6	-0.9	-12.8	24.4	28.3	57.1
SBI PSU Fund Growth	₹32.7398 ↓ -0.25	₹5,714	500	2.7	1.9	0.7	26.7	27.8	23.5
Nippon India Small Cap Fund Growth	₹164.846 ↓ -0.99	₹68,969	100	-3.9	-2.2	-9.4	20.3	27.3	26.1
DSP India T.I.G.E.R Fund Growth	₹310.531 ↓ -1.03	₹5,506	500	-2.3	0.2	-8.2	23.4	27.1	32.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 16 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Infrastructure Fund	Motilal Oswal Midcap 30 Fund	SBI PSU Fund	Nippon India Small Cap Fund	DSP India T.I.G.E.R Fund
Point 1	Lower mid AUM (₹8,232 Cr).	Upper mid AUM (₹37,501 Cr).	Bottom quartile AUM (₹5,714 Cr).	Highest AUM (₹68,969 Cr).	Bottom quartile AUM (₹5,506 Cr).
Point 2	Established history (20+ yrs).	Established history (11+ yrs).	Established history (15+ yrs).	Established history (15+ yrs).	Oldest track record among peers (21 yrs).
Point 3	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 2★ (bottom quartile).	Top rated.	Rating: 4★ (upper mid).
Point 4	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderately High.	Risk profile: High.
Point 5	5Y return: 29.68% (top quartile).	5Y return: 28.31% (upper mid).	5Y return: 27.79% (lower mid).	5Y return: 27.34% (bottom quartile).	5Y return: 27.09% (bottom quartile).
Point 6	3Y return: 23.71% (lower mid).	3Y return: 24.40% (upper mid).	3Y return: 26.70% (top quartile).	3Y return: 20.29% (bottom quartile).	3Y return: 23.36% (bottom quartile).
Point 7	1Y return: -0.97% (upper mid).	1Y return: -12.83% (bottom quartile).	1Y return: 0.72% (top quartile).	1Y return: -9.39% (bottom quartile).	1Y return: -8.19% (lower mid).
Point 8	Alpha: 0.00 (top quartile).	Alpha: -4.22 (bottom quartile).	Alpha: -0.58 (lower mid).	Alpha: -2.66 (bottom quartile).	Alpha: 0.00 (upper mid).
Point 9	Sharpe: 0.00 (upper mid).	Sharpe: -0.13 (lower mid).	Sharpe: 0.09 (top quartile).	Sharpe: -0.35 (bottom quartile).	Sharpe: -0.33 (bottom quartile).
Point 10	Information ratio: 0.00 (upper mid).	Information ratio: 0.20 (top quartile).	Information ratio: -0.57 (bottom quartile).	Information ratio: -0.11 (bottom quartile).	Information ratio: 0.00 (lower mid).

ICICI Prudential Infrastructure Fund

Lower mid AUM (₹8,232 Cr).
Established history (20+ yrs).
Rating: 3★ (lower mid).
Risk profile: High.
5Y return: 29.68% (top quartile).
3Y return: 23.71% (lower mid).
1Y return: -0.97% (upper mid).
Alpha: 0.00 (top quartile).
Sharpe: 0.00 (upper mid).
Information ratio: 0.00 (upper mid).

Motilal Oswal Midcap 30 Fund

Upper mid AUM (₹37,501 Cr).
Established history (11+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 28.31% (upper mid).
3Y return: 24.40% (upper mid).
1Y return: -12.83% (bottom quartile).
Alpha: -4.22 (bottom quartile).
Sharpe: -0.13 (lower mid).
Information ratio: 0.20 (top quartile).

SBI PSU Fund

Bottom quartile AUM (₹5,714 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 27.79% (lower mid).
3Y return: 26.70% (top quartile).
1Y return: 0.72% (top quartile).
Alpha: -0.58 (lower mid).
Sharpe: 0.09 (top quartile).
Information ratio: -0.57 (bottom quartile).

Nippon India Small Cap Fund

Highest AUM (₹68,969 Cr).
Established history (15+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 27.34% (bottom quartile).
3Y return: 20.29% (bottom quartile).
1Y return: -9.39% (bottom quartile).
Alpha: -2.66 (bottom quartile).
Sharpe: -0.35 (bottom quartile).
Information ratio: -0.11 (bottom quartile).

DSP India T.I.G.E.R Fund

Bottom quartile AUM (₹5,506 Cr).
Oldest track record among peers (21 yrs).
Rating: 4★ (upper mid).
Risk profile: High.
5Y return: 27.09% (bottom quartile).
3Y return: 23.36% (bottom quartile).
1Y return: -8.19% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: -0.33 (bottom quartile).
Information ratio: 0.00 (lower mid).

About the Fincash Research Team

At Fincash, our mission is to help investors make informed, confident decisions. With over 9 years in Mutual Fund distribution, our team blends deep industry expertise with a commitment to transparency, accuracy, and investor education.

Who We Are

AMFI Registration No.: 112358
MCA CIN: U74999MH2016PTC282153
Location: Thane, Maharashtra, India
Experience: 9+ years in Mutual Fund distribution

Our Expertise

Certified Mutual Fund Distributors with hands-on advisory experience.
Market analysts tracking performance, macro trends, and sectors.
Data specialists processing NAVs, allocations, and risk metrics from Morning Star.

Our Research Process

Data sourcing: SEBI-registered fund houses & verified third-party provider Morning Star
Screening: Returns, manager track record, expenses, sector mix, risk-adjusted metrics.
Expert review: Senior team members review every article and list for accuracy.
Updates: Regular refreshes so performance data reflects current market conditions.

Why Trust Us

Regulated & compliant: AMFI-registered and MCA-incorporated.
Investor-first: No pay-to-promote lists; suitability and performance drive coverage.
Education-focused: We simplify complex concepts for everyday investors.

Disclaimer

Content is for educational and informational purposes only and is not investment advice. Please consider your risk profile and consult a financial advisor before investing.

All the funds mentioned above are ideal, we are giving you detailed analysis of 5 funds.

1. ICICI Prudential Infrastructure Fund

To generate capital appreciation and income distribution to unit holders by investing predominantly in equity/equity related securities of the companies belonging to the infrastructure development and balance in debt securities and money market instruments.

Research Highlights for ICICI Prudential Infrastructure Fund

Lower mid AUM (₹8,232 Cr).
Oldest track record among peers (20 yrs).
Top rated.
Risk profile: High.
5Y return: 29.68% (upper mid).
3Y return: 23.71% (bottom quartile).
1Y return: -0.97% (lower mid).
Alpha: 0.00 (upper mid).
Sharpe: 0.00 (lower mid).
Information ratio: 0.00 (lower mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
High-quality debt (AAA/AA ~100%).
Largest holding Larsen & Toubro Ltd (~9.0%).

Below is the key information for ICICI Prudential Infrastructure Fund

ICICI Prudential Infrastructure Fund Growth
Launch Date	31 Aug 05
NAV (16 Dec 25)	₹193.55 ↓ -2.09 (-1.07 %)
Net Assets (Cr)	₹8,232 on 31 Oct 25
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	0
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹16,536
30 Nov 22	₹21,423
30 Nov 23	₹28,347
30 Nov 24	₹40,177
30 Nov 25	₹42,083

ICICI Prudential Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹627,226.
Net Profit of ₹327,226 Invest Now

Returns for ICICI Prudential Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Dec 25

Duration	Returns
1 Month	-3%
3 Month	-1.6%
6 Month	-1.1%
1 Year	-1%
3 Year	23.7%
5 Year	29.7%
10 Year
15 Year
Since launch	15.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	27.4%
2023	44.6%
2022	28.8%
2021	50.1%
2020	3.6%
2019	2.6%
2018	-14%
2017	40.8%
2016	2%
2015	-3.4%

Fund Manager information for ICICI Prudential Infrastructure Fund

Name	Since	Tenure
Ihab Dalwai	3 Jun 17	8.42 Yr.
Sharmila D’mello	30 Jun 22	3.34 Yr.

Data below for ICICI Prudential Infrastructure Fund as on 31 Oct 25

Equity Sector Allocation

Sector	Value
Industrials	38.24%
Financial Services	14.97%
Basic Materials	12.93%
Energy	10.52%
Utility	10.49%
Real Estate	2.69%
Consumer Cyclical	1.96%
Communication Services	1.25%

Asset Allocation

Asset Class	Value
Cash	5.98%
Equity	93.94%
Debt	0.08%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 09 \| LT	9%	₹743 Cr	1,843,204
NTPC Ltd (Utilities) Equity, Since 29 Feb 16 \| 532555	4%	₹370 Cr	10,976,448 ↑ 646,975
NCC Ltd (Industrials) Equity, Since 31 Aug 21 \| NCC	3%	₹277 Cr	13,053,905
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 May 24 \| ADANIPORTS	3%	₹269 Cr	1,854,934
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 23 \| RELIANCE	3%	₹265 Cr	1,779,725 ↓ -250,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Dec 20 \| 532215	3%	₹246 Cr	1,996,057
Vedanta Ltd (Basic Materials) Equity, Since 31 Jul 24 \| 500295	3%	₹232 Cr	4,700,000 ↓ -1,579,591
AIA Engineering Ltd (Industrials) Equity, Since 28 Feb 21 \| AIAENG	3%	₹228 Cr	701,953 ↑ 41,183
Kalpataru Projects International Ltd (Industrials) Equity, Since 30 Sep 06 \| KPIL	3%	₹227 Cr	1,803,566
IndusInd Bank Ltd (Financial Services) Equity, Since 31 Oct 24 \| INDUSINDBK	2%	₹193 Cr	2,424,016 ↑ 450,000

2. Motilal Oswal Midcap 30 Fund

(Erstwhile Motilal Oswal MOSt Focused Midcap 30 Fund)

The investment objective of the Scheme is to achieve long term capital appreciation by investing in a maximum of 30 quality mid-cap companies having long-term competitive advantages and potential for growth. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved.

Research Highlights for Motilal Oswal Midcap 30 Fund

Highest AUM (₹37,501 Cr).
Established history (11+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 28.31% (lower mid).
3Y return: 24.40% (lower mid).
1Y return: -12.83% (bottom quartile).
Alpha: -4.22 (bottom quartile).
Sharpe: -0.13 (bottom quartile).
Information ratio: 0.20 (upper mid).
Top sector: Technology.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Equity-heavy allocation (~87%).
Largest holding Persistent Systems Ltd (~9.5%).

Below is the key information for Motilal Oswal Midcap 30 Fund

Motilal Oswal Midcap 30 Fund Growth
Launch Date	24 Feb 14
NAV (16 Dec 25)	₹99.9775 ↓ -0.66 (-0.65 %)
Net Assets (Cr)	₹37,501 on 31 Oct 25
Category	Equity - Mid Cap
AMC	Motilal Oswal Asset Management Co. Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.56
Sharpe Ratio	-0.13
Information Ratio	0.2
Alpha Ratio	-4.22
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹15,596
30 Nov 22	₹18,569
30 Nov 23	₹24,148
30 Nov 24	₹38,652
30 Nov 25	₹36,880

Motilal Oswal Midcap 30 Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹612,552.
Net Profit of ₹312,552 Invest Now

Returns for Motilal Oswal Midcap 30 Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Dec 25

Duration	Returns
1 Month	-3%
3 Month	-5.6%
6 Month	-0.9%
1 Year	-12.8%
3 Year	24.4%
5 Year	28.3%
10 Year
15 Year
Since launch	21.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	57.1%
2023	41.7%
2022	10.7%
2021	55.8%
2020	9.3%
2019	9.7%
2018	-12.7%
2017	30.8%
2016	5.2%
2015	16.5%

Fund Manager information for Motilal Oswal Midcap 30 Fund

Name	Since	Tenure
Ajay Khandelwal	1 Oct 24	1.08 Yr.
Niket Shah	1 Jul 20	5.34 Yr.
Rakesh Shetty	22 Nov 22	2.94 Yr.
Sunil Sawant	1 Jul 24	1.34 Yr.

Data below for Motilal Oswal Midcap 30 Fund as on 31 Oct 25

Equity Sector Allocation

Sector	Value
Technology	40.62%
Consumer Cyclical	22.89%
Industrials	12.61%
Communication Services	3.47%
Financial Services	3.46%
Real Estate	2.56%
Health Care	1.61%

Asset Allocation

Asset Class	Value
Cash	12.78%
Equity	87.22%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Persistent Systems Ltd (Technology) Equity, Since 31 Jan 23 \| PERSISTENT	9%	₹3,550 Cr	6,000,000
Coforge Ltd (Technology) Equity, Since 31 Mar 23 \| COFORGE	9%	₹3,494 Cr	19,650,699 ↓ -99,301
One97 Communications Ltd (Technology) Equity, Since 30 Sep 24 \| 543396	9%	₹3,258 Cr	25,000,000
Dixon Technologies (India) Ltd (Technology) Equity, Since 31 Mar 23 \| DIXON	9%	₹3,254 Cr	2,100,000 ↑ 62,479
Eternal Ltd (Consumer Cyclical) Equity, Since 31 Aug 25 \| 543320	8%	₹3,178 Cr	100,000,000
Kalyan Jewellers India Ltd (Consumer Cyclical) Equity, Since 29 Feb 24 \| KALYANKJIL	8%	₹3,058 Cr	60,000,000
Trent Ltd (Consumer Cyclical) Equity, Since 30 Nov 24 \| 500251	6%	₹2,347 Cr	4,999,694
Polycab India Ltd (Industrials) Equity, Since 30 Sep 23 \| POLYCAB	5%	₹2,060 Cr	2,673,670 ↓ -476,330
Kaynes Technology India Ltd (Technology) Equity, Since 30 Jun 25 \| KAYNES	4%	₹1,676 Cr	2,500,000 ↑ 150,000
KEI Industries Ltd (Industrials) Equity, Since 30 Nov 24 \| KEI	4%	₹1,613 Cr	4,000,000

3. SBI PSU Fund

The objective of the scheme would be to provide investors with opportunities for long-term growth in capital along with the liquidity of an open-ended scheme through an active management of investments in a diversified basket of equity stocks of domestic Public Sector Undertakings and in debt and money market instruments issued by PSUs AND others.

Research Highlights for SBI PSU Fund

Bottom quartile AUM (₹5,714 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 27.79% (bottom quartile).
3Y return: 26.70% (upper mid).
1Y return: 0.72% (upper mid).
Alpha: -0.58 (lower mid).
Sharpe: 0.09 (upper mid).
Information ratio: -0.57 (bottom quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~16.3%).

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (16 Dec 25)	₹32.7398 ↓ -0.25 (-0.77 %)
Net Assets (Cr)	₹5,714 on 31 Oct 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	0.09
Information Ratio	-0.57
Alpha Ratio	-0.58
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹13,886
30 Nov 22	₹18,323
30 Nov 23	₹23,973
30 Nov 24	₹36,302
30 Nov 25	₹38,023

SBI PSU Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹598,181.
Net Profit of ₹298,181 Invest Now

Returns for SBI PSU Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Dec 25

Duration	Returns
1 Month	-3.7%
3 Month	2.7%
6 Month	1.9%
1 Year	0.7%
3 Year	26.7%
5 Year	27.8%
10 Year
15 Year
Since launch	8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	23.5%
2023	54%
2022	29%
2021	32.4%
2020	-10%
2019	6%
2018	-23.8%
2017	21.9%
2016	16.2%
2015	-11.1%

Fund Manager information for SBI PSU Fund

Name	Since	Tenure
Rohit Shimpi	1 Jun 24	1.42 Yr.

Data below for SBI PSU Fund as on 31 Oct 25

Equity Sector Allocation

Sector	Value
Financial Services	37.03%
Utility	29.3%
Energy	13.78%
Industrials	12.67%
Basic Materials	5.75%

Asset Allocation

Asset Class	Value
Cash	1.48%
Equity	98.52%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Jul 10 \| SBIN	16%	₹930 Cr	9,927,500
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 24 \| BEL	10%	₹553 Cr	12,975,000
NTPC Ltd (Utilities) Equity, Since 31 Jul 10 \| 532555	9%	₹490 Cr	14,543,244
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 10 \| 532898	8%	₹476 Cr	16,535,554
GAIL (India) Ltd (Utilities) Equity, Since 31 May 24 \| 532155	8%	₹471 Cr	25,750,000
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 24 \| 500547	6%	₹346 Cr	9,700,000
Bank of Baroda (Financial Services) Equity, Since 31 Aug 24 \| 532134	5%	₹306 Cr	11,000,000
NMDC Ltd (Basic Materials) Equity, Since 31 Oct 23 \| 526371	4%	₹211 Cr	27,900,000
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| 532814	4%	₹208 Cr	2,427,235
Oil India Ltd (Energy) Equity, Since 31 Mar 24 \| OIL	3%	₹167 Cr	3,850,000

SIP Calculator Example: 10 vs 20 Years

SIP Amount	Duration	Expected Returns (12% CAGR)	Final Corpus
₹5,000/month	10 years	~₹11.6 lakh	~₹11.6 lakh
₹5,000/month	20 years	~₹49 lakh	~₹49 lakh
₹10,000/month	20 years	~₹98 lakh	~₹98 lakh

Insight: Doubling your time horizon (10 → 20 years) multiplies wealth 4X, thanks to compounding.

Taxation of SIP Investments (2025 Rules)

Equity SIPs:

STCG (<1 year): 15% tax
LTCG (≥1 year): 10% tax (above ₹1 lakh gains)

Debt SIPs:

STCG: Taxed as per income slab
LTCG: 20% with indexation (≥3 years)

SIPs in ELSS (Equity Linked Savings Scheme) also offer ₹1.5 lakh deduction under Section 80C.

Who Should Invest in SIPs for 10–20 Years?

Salaried professionals planning retirement
Parents planning for children’s higher education or marriage
Young investors aiming for ₹1 crore+ corpus
Anyone who wants disciplined, long-term wealth creation
❌ Not suitable for those looking for short-term or guaranteed returns.

Expert Tips Before Investing

Do not exceed 15% of Portfolio allocation.
Always check fund expense ratio.
Consider SIPs for disciplined global investing.
Track global economic news (US Fed, China GDP, oil prices).
Avoid chasing short-term returns — treat them as long-term wealth creators.

How to Invest in Mutual Fund SIP Online?

Open Free Investment Account for Lifetime at Fincash.com.

Complete your Registration and KYC Process

Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest!

Get Started

Final Thoughts

SIPs are the most reliable way to build long-term wealth in India. With just ₹500–₹5,000 per month, you can achieve major life goals in 10–20 years. Use Indian equity SIPs as your core portfolio and add a small allocation to International Mutual Funds for diversification. In 2025, with rising global themes (AI, EVs, clean energy), and India’s growth story, SIPs remain the smartest way to participate in wealth creation.

FAQs

Q1. Which SIP is best for 20 years in India?

A: Large cap, flexi cap, and ELSS Equity Funds are best for long horizons.

Q2. Can I become a crorepati by SIP?

A: Yes. A ₹10,000 SIP for 20 years at 12% CAGR can grow to nearly ₹1 crore.

Q3. What is the minimum amount to start a SIP?

A: You can start with ₹500/month, some AMCs allow even ₹100/month.

Q4. Which SIPs are tax-saving?

A: ELSS (Equity Linked Savings Schemes) qualify for Section 80C deduction.

Q5. Should I stop my SIP during market crashes?

A: No. Continuing SIPs during downturns buys more units at lower prices.

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.